oakland, maryland and crisfield, maryland have something in common, their economies are depend event on small businesses. that is where the people work. we do need to focus on how we can help the small businesses get back on their feet so we can have the type of economic progress in both of these communities that have been so disrupted because of sandy. let me also thank you for your help on an issue that was brought up during this committee. it worked successfully, it helped create jobs and i appreciate the fact that you are addressing that also in the supplement. and thank you for your help. i think that will also provide some additional relief to not just the communities affected by sandy and our country in helping small businesses deal with our current economic pressures. thank you for this hearing. >> thank you, senator cardin. michael chodos is with us, he is responsible to oversee the training programs for current and future entrepreneurs. i'm going to ask him to speak second. i'm going to ask james rivera to speak. but we asked michael chodos to be here because he is responsi